Servicemembers Civil Relief Act (SCRA) (2003)

1) Link to the Text of the Act
Read the U.S. Code – Title 50, Chapter 50

2) Why It Was Done
Congress enacted the SCRA to ensure servicemembers are not unfairly disadvantaged in civil legal matters while serving on active duty. The law provides protections in areas such as foreclosures, evictions, default judgments, and interest rates.

3) Pre-existing Law or Constitutional Rights
The SCRA replaced the Soldiers’ and Sailors’ Civil Relief Act of 1940, expanding and updating due process protections. It is rooted in fairness and the constitutional guarantee of due process.

4) Overreach or Proper Role?
Generally seen as remedial and necessary. Some lenders and landlords argue it imposes administrative burdens, but courts have consistently upheld its broad application.

5) Who or What It Controls

• Courts (civil proceedings, default judgments)
• Lenders (interest rate caps, foreclosure protections)
• Landlords (eviction protections)
• Taxing authorities (tax deferments and protections)

6) Key Sections / Citations

• 50 U.S.C. §§ 3901–4043

7) Recent Changes or Live Controversies

• DOJ has brought enforcement actions against lenders and landlords violating SCRA.
• Ongoing focus on auto loan repossessions, mortgage foreclosures, and rental protections.

8) Official Sources

• U.S. Code – Title 50, Chapter 50
• DOJ SCRA Enforcement

• Military
• Servicemembers
• Civil Protections
• Courts
• Lenders